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ICBC’s No-Fault Insurance: A Quick Guide for Tri-City Drivers

Admin Team

01 Feb 2026 — 1 min read

British Columbia’s auto insurance system now operates under ICBC’s no-fault model, known as Enhanced Care. The purpose of this system is to make sure people injured in a crash can access care and support quickly, without needing to prove who was at fault first.

What Does No-Fault Mean?

If you’re injured in a motor vehicle accident, ICBC provides care and recovery benefits regardless of who caused the crash. This allows treatment and income support to begin sooner, reducing delays during recovery.

What’s Covered?

Enhanced Care may include:

Medical and rehabilitation treatments
Income replacement if you’re unable to work
Ongoing support for longer recoveries

These benefits apply to drivers, passengers, pedestrians, and cyclists.

Does Fault Still Matter?

Yes — but mainly for insurance ratings. ICBC still determines fault for premium and driving record purposes, but fault generally doesn’t affect access to injury benefits.

What This Means for You

Enhanced Care provides a solid base of protection, but it may not cover every personal or financial situation. Reviewing your coverage can help ensure you’re properly protected.

At Tri-City Insurance, we’re here to help you understand how ICBC coverage works and answer any questions you may have.

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